Workers' Compensation

Most Common BWC Benefits

Chelsea Bikner
Most Common BWC Benefits
Reading time 3 Mins
Published on Nov 6
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When an employee is injured on the job and their Ohio Bureau of Workers’ Compensation injury claim is approved, there are many benefits types available for the worker depending on the extent of their injury and the estimated amount of time for recovery.

Understanding the types of benefits available to your employees will help you work better the BWC, your managed care organization, and your third-party administrator.

Read on to learn more about the most common workers’ compensation benefits in Ohio.

Temporary total compensation

The Temporary Total (TT) Compensation benefit compensates workers who becomes disabled due to a work-related injury or occupational disease. TT Compensation helps replace lost work income and is usually the first form of compensation that an injured worker in Ohio will receive.

Permanent partial

A certain amount of permanent damage (also called residual damage) may remain because of a work-related injury. The Permanent Partial (PP) – Scheduled Loss pays for loss-of-use injuries, such as the loss of the injured worker’s vision, hearing or an amputation caused by a work injury. It is based on the loss suffered prior to treatment, not on the injured condition after treatment.

Percent of permanent partial

The Percent of Permanent Partial (%PP) pays for loss-of-use injuries, such as the loss of the injured worker’s vision or hearing caused by a work-related injury. However, this benefit is based on the percentage of their impairment due to the work-related injury.

Permanent total disability

Permanent Total Disability (PTD) is defined as the injured worker’s inability to perform sustained, paid (remunerative) employment due to an approved work-related injury. PTD benefits pay the injured worker for impairment of their earning capacity. PTD compensation is payable for life.

Wage loss

Wage Loss (WL) is paid to an injured worker whose earnings are reduced as a direct result of restrictions from the allowed injury in their worker’s compensation claim.

Salary continuation

Salary continuation (or wages in lieu of temporary total compensation) is a voluntary program whereby the employer continues to pay the injured employee full salary and benefits, thereby potentially reducing the workers’ comp costs, and potentially reducing future premium payments.
BWC benefit types and Sheakley

Workplace injuries and illness leave injured employees out of work for an undetermined amount of time and can result in high medical bills, stress, and anxiety. When working with your workers’ compensation partners, it is important for you to understand the different workers’ compensation benefits in Ohio that are available to your injured employees. But you don’t have to do it alone – the Workers’ Compensation experts at Sheakley can help to give you guidance and additional information on BWC benefit types, making sure that you understand the protections for your employees and your business.

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